Flash FinanceUS
Pre-market S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026
AI brief of an SEC Form 8-K · United Community Banks (UCB)

United Community Banks Q1 net income $71.4 million, EPS $0.58 vs $0.51 a year ago

Positive Impact 3 of 5 earnings Written later

United Community Banks reported first-quarter 2025 net income of $71.4 million and GAAP diluted EPS of $0.58, up from $0.51 a year earlier but down from $0.61 in the fourth quarter of 2024. The company said net interest margin rose to 3.36% and loans grew $249 million, and it expects to close its planned acquisition of American National Bank on May 1.

Key points

  • Net income $71.4 million vs $62.6 million in Q1 2024; GAAP diluted EPS $0.58 vs $0.51 a year earlier and $0.61 in Q4 2024
  • Operating diluted EPS $0.59, up 13% from the year-ago quarter
  • Net interest margin 3.36%, up 10 basis points from Q4 2024; loans grew $249 million from Q4 2024
  • Quarterly dividend of $0.24 per share, up 4% year over year; American National Bank acquisition expected to close May 1

The filing

CompanyUnited Community Banks (UCB)
Form8-K, current report
Filed with the SECApr 22, 2025, 7:36 AM ET
Accession number0001104659-25-037143

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:00 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on April 22, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.